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STATEMENT OF REGULATORY COMPLIANCE: MICHAEL GARBER FINANCIAL PLANNING IS A REGISTERED INVESTMENT ADVISER AND ONLY TRANSACTS BUSINESS IN STATES WHERE PROPERLY REGISTERED, OR EXCLUDED OR EXEMPTED FROM REGISTRATION. FOLLOW-UP AND INDIVIDUALIZED RESPONSES TO PERSONS THAT INVOLVE RENDERING INVESTMENT ADVICE WILL NOT BE MADE ABSENT COMPLIANCE WITH STATE INVESTMENT ADVISER AND INVESTMENT ADVISER REPRESENTATIVE REGISTRATION REQUIREMENTS, OR AN APPLICABLE EXEMPTION OR EXCLUSION.

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Cover photo "Flying So Lo" kasra afzali [CC BY 2.0 (https://creativecommons.org/licenses/by/2.0)], via Wikimedia Commons